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Confidential 118 December 2012

BASE24-eps Product Update

Dave Pearson


Agenda

•ACI Retail Solution / BASE24-eps overview

•BASE24-eps features and differentiators

•Supporting solutions overview

•Summary and Q&A

2


ACI Retail Solution / BASE24-eps overview


ACI Retail Payments Solution

ATM, POS, authorisation networks, retail banking core systems

Payment scheme clearing and settlement

ISO8583 auths interface

Card and mobile personalization

Cardholder

postings

Merchant

postings

Acquired

transactions

Authorisations

18 December 2012 Confidential 4


Evolution supported by the ACI Reference Architecture

Be the leading provider of a unified payment solution

ACI payment services bus using a service-oriented architecture

ACI product interoperability

Unified hardware platform

ACI Software Development Kits (SDK)


BASE24-eps Product Overview

Flexibly acquires, routes, authenticates and

authorizes Electronic Payment Transactions

Multi-channel

– ATM, POS, Kiosk, Teller, OLB, Mobile, etc.

– Interfaces to national and international networks

Authorization Script Engine improves time-to-

market for new products and features and

reduces implementation and maintenance

efforts

Highly configurable

Open System Design (C++, Java, OOAD, Web

Services Messaging) allows for SOA

Implementations

Open platform for Hardware platform independence

Highly scalable and reliable

Integration with ACI’s fraud solution, back office

solutions and monitoring solutions

REDUCES TCO WHILE ENHANCING BUSINESS FUNCTIONALITYREDUCES TCO WHILE ENHANCING BUSINESS FUNCTIONALITY

An integrated e-payments engine featuring advanced authorization, authentication, routing and device management services

Operating System and Database Specific Layer

Common Low-level Functions Layer

IBM Sys zDB2

IBM Sys pDB2 / C-Tree

Hp-NonStopEnscribe

SUNC-Tree

Transaction Engine - Business Function Layer

Issuer, Acquirer, and Switch

Scripted Authorization Advanced Routing

DeviceManagement

Transaction API Issuer & Acquirer

SwitchConnectivity

Intelligent HostConnectivity

Communications Layer

ATM, POS,Teller, Kiosk

IVR, OLB,Mobile, Web

MC, Visa,Amex, etc.

HostSystems

18 December 2012 6Confidential


BASE24-eps Success Stories

European Bank Completed BASE24

to BASE24-eps Migration

…migration from BASE24 to BASE24-

eps. Fully live. BASE24 no longer in

use since Jan 2012. Includes ATM

driving, scheme connectivity and

interfaces to other systems.

European Bank Completed BASE24

to BASE24-eps Migration

…migration from BASE24 to BASE24-

eps. Fully live. BASE24 no longer in

use since Jan 2012. Includes ATM

driving, scheme connectivity and

interfaces to other systems.

European Financial Institution Multi-

country consolidation

… consolidation of existing solutions onto BASE24-eps. Switching and acquiring

across multiple European countries with rollout plans for additional business

requirements and additional countries.

European Financial Institution Multi-

country consolidation

… consolidation of existing solutions onto BASE24-eps. Switching and acquiring

across multiple European countries with rollout plans for additional business

requirements and additional countries.

Credit Agricole Cards & Payments

Implementing a system to drive a 22,000 ATM network and achieve cost reductions by consolidating its systems, providing a standard platform for its international operations and give it the flexibility and scalability to add new services and support volume.

Credit Agricole Cards & Payments

Implementing a system to drive a 22,000 ATM network and achieve cost reductions by consolidating its systems, providing a standard platform for its international operations and give it the flexibility and scalability to add new services and support volume.

Central Bank of Oman

“For a project as critical to our national infrastructure as a new national switch, it was essential we worked with suppliers we could trust, who had proven, scalable and reliable technology that we knew could meet our current and future demands”.

Central Bank of Oman

“For a project as critical to our national infrastructure as a new national switch, it was essential we worked with suppliers we could trust, who had proven, scalable and reliable technology that we knew could meet our current and future demands”.


BASE24-eps features and differentiators

18 December, 2012 Confidential

Business Components

Scripted

Control

System Interface Services

Journal Perusal

Account

Prefix

Authorisation

Transaction

Journal

Extract Router

HostInterchangeWebPOSATM

Limits

Institution

Merchant

Messaging Data Access Date/Time

Foundation Components

Event Timer

ArchitectureIntegrated Server components are C++ objects that perform a specific

business, foundation, or platform-specific function.

Application Architecture


• Flexible routing configuration results in far less customisations

• Routing can be configurable by - Acquirer- Issuer- Processing code - From/to account types - Authentication method - Floor limit

• Routing destinations may include - Internal authorisation (BASE24-eps Scripts)- External issuing end-points (Hosts, Card Schemes etc)

• File update messages are supported (interface dependant)• Pre-screening with BASE24-eps pre screen scripts• Advices• Routing to more than one destination• STIP•Ease of integration with other systems

Routing and Authorisation

18 December 2012 11Confidential

The Authorisation Scripting Engine

Script EngineScript EngineScript EngineScript Engine

RouterRouterRouterRouterRouter determines script selection

Transaction Data ElementsTransaction Data ElementsTransaction Data ElementsTransaction Data ElementsEtcEtcEtcEtc…………

Country CodeCountry CodeCountry CodeCountry CodeCurrency CodeCurrency CodeCurrency CodeCurrency Code

Tran. AmountTran. AmountTran. AmountTran. AmountPANPANPANPAN

BuiltBuiltBuiltBuilt----in Functionsin Functionsin Functionsin Functions

e.g. card lookup, PIN verification

Scripts written inScripts written inScripts written inScripts written inJavaScriptJavaScriptJavaScriptJavaScript----likelikelikelike

syntaxsyntaxsyntaxsyntax

AuthData

Scripts have built-in access to transaction data elements and authorisation data


Limits and Usage

• BASE24-eps transaction limits are user-defined limits on transaction activity allowed on accounts and payment-instruments (cards)

• Transaction limits are implemented using authorisation scripts

• You can create transaction limits for any type of transaction activity you want to limit

•Transaction limits are typically defined relative to a particular span of time called a usage period.

• Transaction limits can be defined in two basic forms:- A maximum monetary amount that can be approved during a single usage period for some type of transaction activity.- A maximum number of occurrences that can be approved during a single usage period for some type of transaction activity.

• BASE24-eps transaction limits are configured using limit profiles


Multi-Channel

•Card authorisation

•Account authorisation

•Customer authorisation

•Voice authorisation

•Device drivers

•Host interfaces

•Scheme interfaces

•XML

•Web services

ATM, POS,Teller, Kiosk

IVR, OLB,Mobile, Web

MC, Visa,Amex, etc.

HostSystems


NETWORK INTERFACES

• FDR ISO (US)

• Fifth Third (US)

• German GICC

• German ISO

• JCB (Japan)

• Jeanie* (US)

• KNET (Kuwait)

• Link (UK)

• MDS Debit and Credit*

• MNET (Pakistan)

• NetWorks (US)

• NYCE* (US)

• Presto (US)

• Pulse* (US)

• SAMA SPAN2 (Saudi Arabia)

• Shazam (US)

• STAR* (US)

• UAE (United Arab Emirates)

• Visa DPS* (US)

• VisaNet SMS/BASE I*

• Price (Spain)

• ABI ISO (Italian)

• ACCEL/Exchange* (US)

• AFFN* (US)

• American Express CAPN (US/CDN)

• AS2805 (Australia)

• American Express GNS

• Artajasa (Indonesia)

• Bank of America Merchant Services (US)

• Banknet*

• Circuit (Canada)

• CUP (China)

• DIAS (Greece)

• Discover (US)

• Benefit (Bahrain)

• CO-OP (US)

• CU24* (US)

• EFD (eFunds) (US)

• Elan (US)

• e-RSB (France)

• EQUENS (NLs)

Comprehensive functionality – card schemes


Comprehensive functionality - devices

• ATM

– Diebold

– NCR NDC+

– Wincor NDC

– Wincor DDC

– Triton

– Tidel

– IFX

• POS

– APACS

– German POS

– Hypercom

– SPDH

– AS2805

• HSM

– Atalla Network Security Processors

– Banksys DEP

– Bull Crypt2Pay

– IBM Cryptographic Coprocessors

– SafeNet (Eracom) ProtectHost

– Thales Host Security Modules


Comprehensive integration features

• Integration with ACI solutions

•Standard host and other interfaces

•Scriptable near real time feed

•Real time and near real time fraud interface

•Split routing to multiple destinations

• ICE-XS, Web Access Services for SOAP, XML, etc


Proven scalability and reliability in production

•Deployment options

–High availability

– Active / Passive

–Active / Active

–All proven in production

•Transaction volumes

–Over 2,000 tps in benchmarks

–Over 1,000 tps in production


Supporting Solutions


A range of solutions, integrated with ACI applications

•ASSET Test Tool and Testing Services

–Automated functional and performance testing

• Test packs supported in line with scheme mandates

–Expert test services

•ACI Payment Service Management

– Powered by Prognosis

–Monitoring and business performance platform

•ACI Communication Services

– ICE-XS

–Web Access Services

– Enterprise security services

•GoldenGate

–Data replication

•Spectrum MoneyGuard

–SMS alerting


Summary


BASE24-eps summary

•Flexibility

–Configuration

–Scripting (auth, extract, journal, perusal)

– Limits / usages

–Routing

– Profiles

–Not card centric

•Functionality

–Global

–Multi-language

• Interoperability

–Standalone or highly integrated

–Other ACI solutions

–Online extract (near-real-time feed)

– Split routing

– Pre-screen, impacting


BASE24-eps summary

•Performance and Architecture

–Multi-platform

–Data Partitioning (e.g. journal / card)

– Ease of tuning and balancing

–Benchmarked to over 2000 tps

•Maintenance

–Customisation methodology

–Service packs

–Upgrades

– Frameworks


Q&A

Our software underpins electronic payments throughout retail and wholesale banking, and commerce,all the time, without fail.

www.aciworldwide.com

Documents

BASE24-eps Product Update - Squarespacestatic.squarespace.com/static... · BASE24-eps Success Stories European Bank Completed BASE24 to BASE24-eps Migration …migration from BASE24